The document describes an 80% loan-to-value financing program called the American PropertyTrust that does not require documentation of income, employment, or credit score. Applicants pay a 20% down payment and monthly payments are amortized over 25-30 years. The program is funded by private international investors and properties are purchased by a trust that then conveys the property to the applicant through a purchase option. Fees range from 5-15% of the property value but the program may allow applicants to purchase property when conventional loans are denied.

1. NO DOCUMENTATION
80% Transaction To Value
By utilizing the American PropertyTrust,
we are able to offer a no documentation
80% transaction to value purchase
program to the applicant.
Therefore, every applicant will usually be
approved regardless of credit score or
their ability to prove income and
employment.
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2. The American PropertyTrust
Is a revolutionary innovative program that
provides a means for end users and
investors to acquire the property of their
choice.
When conventional or sub prime lenders
decline, APT will usually make the
deal become reality.
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3. The American PropertyTrust
APT program is provided by MFI Corporation
(Multi-Faceted Innovations) of Atlanta, Georgia.
MFI was founded in 1988 and is active in a variety
of industries.
They are not a lender or broker; rather they harbor
an investor group consisting of more than 5000
private investors worldwide.
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4. The APT Program
Is provided through the resources of European
private investors as opposed to banks or U.S.
investors.
In furthering our mission, the foremost focus is
placed on the property being acquired, not on
who is acquiring it.
Therefore, every applicant will usually be approved
regardless of credit score or their ability to prove
income and employment.
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5. The APT Programs
Are not for everyone.
Anyone able to secure a mortgage loan
would be advised to do so.
The APT program may translate into a
higher cost
to the applicant.
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6. Acceptable Property
Types
Alm s a re id ntia o c m e ia p p rty
o t ny s e l r o m rc l ro e
lo a d thro ho thew rld
c te ug ut o ,
( P ha ep e$ 0 ,0 0o hig r.)
urc s ric 5 0 0 r he
•Re id ntia Sing Fa ily Re id nc s
s e l le m s e e
•Re id ntia C nd m
s e l o o inium s
•Re id ntia To nho e
s e l w ms
•Va a La (Mus ha a p ve e s te y)
c nt nd t ve p ro d xit tra g
•Re il C nte
ta e rs
•Offic Build s
e ing
•Se Sto g Fa ilitie
lf ra e c s
•Ho ls
te
•Re o
s rts
•C nd /Ho l Units
o o te
•Ap rtm nt C m le s
a e o p xe
•C m e ia
o m rc l/Bus s P p rtie
ine s ro e s
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•Inve tm nt P p rtie
s e ro e s

7. Our Investors
APT transactions are funded by private investors.
For each application received, a separate
investor is sourced.
APT transactions are full-disclosure. Multiple
parcels
may be grouped into a single application.
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8. General Property Acquisition
The APT Transaction is NOT a loan, and in no way
should it be construed as a loan.
However, certain aspects of an APT transaction are
structured similar to a loan or mortgage in that the
applicant is required to pay monthly amortized
payments and an interest rate that is determined by
the International Investor.
The APT transaction general property acquisition
program, requires a payment by the applicant of
20% of the purchase price.
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9. Once an application is received, the international investor is
sourced, and an approval issued. documents are then prepared
and executed by all parties.
At closing, two (2) separate transactions are executed to conclude the
acquisition of the property.
First, the International Investor purchases the property and the
property is titled to the International Investor.
Second, within approximately 24 – 48 hours following the closing by
the International Investor, it conveys title of the property to a
specially created Trust and simultaneously the trust conveys to the
applicant, a first option to acquire the property from the Trust at an
agreed upon purchase price.
This purchase price is referred to as the trust balance .
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10. Once the deed is conveyed to the trust, the property is owned by the
trust.
Neither the international investor, nor the applicant share in the
ownership of the property at that time,
however, the applicant will be conveyed an option to purchase the
property from the trust at any time prior to seven (7) years.
The time frame associated with the closing (s) is determined
exclusively by the international investor.
The trust is managed by a duly assigned fiduciary. This is typically
the attorney retained by our underwriter to conduct this portion of
the transaction.
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11. The monthly payments on the trust balance are amortized much in
the same way a mortgage loan is amortized.
When the applicant exercises his option to purchase the property
back from the trust , all payments made to date will be credited to
the trust balance in the same way payments are credited to the
principal balance of a mortgage loan.
The only way an applicant may lose the property is by defaulting on
the monthly trust payments, much in the same way a mortgage loan
default would work.
Remember,
this transaction is NOT a mortgage loan
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12. APT Benefits
APT trust transactions do not require qualifying credit or proof of income
and employment.
No Personal Guarantee
25-30-Year Amortization
Owner-Occupancy or Investor Properties
Local appraisers are preferred
No balance sheet reporting
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13. APT Benefits
Applicants of APT programs must be
agreeable to a higher cost in connection
with acquiring their property.
Yet others are specific to this program:
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14. Cost Factor
The APT analysis fee is charged to locate and place the transaction
with a private investor.
It serves no other purpose.
It is paid directly to American Property Trust at the same time the
application is submitted.
It is refundable only in the event that the application is
not approved or if the transaction cannot be completed on account of
the APT sourced investor.
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15. Cost Factor
The appraisal fee is contingent on the willingness
of the seller to carry this expense.
If payable, it is paid directly to the appraiser. The
sourced investor may or may not accept a dated
appraisal.
Properties zoned commercial typically require an
MAI appraisal. In any case, it is the sourced
investor that has the final word on appraisal
issues.
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16. Cost Factor
The cash consideration represents the amount of money
that the applicant must provide to complete the
transaction.
These funds must be in the form of cash.
Equity in any property may not substitute for cash
consideration.
Cash consideration funds will be placed in a title escrow
account
and will be released at closing.
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17. Cost Factor
The investor fee is what the investor charges to perform on a qualifying
transaction. It is a small price to pay for an enormous individual
commitment on the part of the sourced investor.
The exact amount of the investor fee is determined by the transaction size
and the amount the investor has approved.
It is not possible to determine in advance of submitting an application
where the investor fee will precisely come in.
Therefore, applicants should base their decision to apply on the
maximum investor fee of 5-15%.
The investor fee is not paid out-of-pocket.
It is rolled into the trust balance .
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18. Cost Factor
The closing costs incurred by the APT sourced investor in
connection with purchasing the property is passed onto
the applicant.
It is not possible to itemize the exact costs in advance,
though they will be detailed prior to completion of the
transaction. Applicants that need this information prior to
applying for the APT program should not apply.
Generally, closing costs will not exceed 5% of the
transaction value and may at the discretion of the
sourced investor be
rolled-into the trust balance
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19. Cost Factor
Applicants should apply for an APT approval
only if they are agreeable to the potential
fees involved, only some of which are
known prior to the submission
of an application.
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20. Estimated Transaction Fees & Costs
*** Application Fees (Non-Refundable): CMI Application Fee
Residential Properties $ 1,000
Commercial Properties $ 3,500
*** Investors Analysis Fee (Per Property) (Fully Refundable if application denied) $3,000
Processing Fee (Based on Total Transaction Amount) 2%
Appraisal Fee (If Required by Sources Investor) $1K - $6K
Consulting Fee (Based on Total Transaction Amount) 1 %+
Investor Fee (Based on Total Transaction Amount) 5 % - 15 %
Transaction Closing Costs (Based on Total Transaction Amount) 4%-7%
Cash Consideration (Based on Total Transaction Amount) 20 %
***Application fee and Investors fee due at application
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21. Approval Requirements
It is sometimes difficult to adjust to the idea that an
applicant will be approved regardless of credit score,
income, job status verification.
This, however, is definitely the case, as APT programs are
not loans and money is not being borrowed.
APT does not evaluate the applicant beyond personal
character references. Instead, the property and
appraised value are the central focus.
As long as minimal requirements are met, the application
will usually be approved by an sourced investor.
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22. Approval Requirements
Cash consideration required just
20% of the transaction amount
3 character references
Stated income indicating that the applicant can
afford monthly trust payments.
APT analysis fee and CMI Fee submitted with
application.
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23. Approval Requirements
For each application resulting in an APT approval, an
approval letter will be provided.
APT approvals expire one (1) year from the date they are
issued.
If a property on a pending application is withdrawn for any
reason, a new property may be submitted as a
replacement during the approval period of one year.
In this case a new analysis fee is not required.
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24. Investment Properties with the
APT program.
Cash Consideration is also required
This amount is 20% of the transaction amount
plus sourced investor fee.
It is credited to the transaction in a similar way that a down
payment is credited on a real estate purchase.
The transaction cash consideration is submitted after an
approval is issued.
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25. Investment Properties
The total out-of-pocket expense is limited to
the APT analysis fee, CMI application fee,
cash consideration and closing costs not
exceeding 5%.
Properties needing advance funds for
construction may require double cash
consideration.
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26. Investment Properties
Cash Consideration has only one of two possible
final destinations.
In the event of a successful closing the funds are
released to the sourced investor.
If a closing does not take place on account of the
investor or due to a cancellation on the applicant
side, the funds are returned to the original
submitter.
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27. Application Processing
The following steps take place in connection with the
processing of an APT general property acquisition
application:
2. Application fee is received by CMI.
3. Analysis fee is received by APT.
4. Applicant references are verified.
5. Investor is sourced.
6. Formal approval is issued.
7. Approval letter is provided.
8. Consideration is submitted.
9. File is submitted to investor for funding.
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28. Closing Process
The Investor completes pre-funding due diligence.
This occurs at the sole expense of the investor.
The investor executes the property purchase agreement
immediately prior to scheduling a closing date.
Trust agreements are sent to Applicant for approval.
Closing is scheduled and completed to purchase the property by the sourced
investor.
Title conveyance to the trust follows within 24-48 hours later.
Trust issues option to Applicant to purchase property from the trust within 7
years
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29. The Trust
While the sourced investor in fact purchases the
property and the property is titled to the sourced
investor, the actual property is conveyed to the
trust with the applicant receiving first option.
The term of the trust is 7 years. The applicant may
choose to cash out of the trust any time prior to
then. After 7 years, the trust must be settled or
re-initiated.
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30. Analysis Fee Refund Policy
In the event that APT does not approve an application, the
associated APT analysis fee is refundable, providing the
applicant signs a general cancellation form release.
Equally, if the sourced investor is unwilling or unable to
complete the transaction, the analysis fee is also
refundable.
The APT analysis fee is non-refundable in the event that
APT approves the application and the sourced investor is
willing to complete the transaction.
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31. Summary
When carefully examined, the APT program is seamless
and easy to convey. In fact, the processing of an APT
application and closing is by far speedier and less
complex than financing via a mortgage loan.
The APT program is not exclusively suitable for individuals
with poor credit.
Interestingly, many of the applicants we receive are of
excellent credit standing, but prefer a discreet acquisition
process with a minimal paper trail.
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32. Connection Marketing International, LLC
• Contact : Allen DeVille a.deville@cmifunding.com
• Office 239-896-7198
• Contact: Steven Rosh s.rosh@cmifunding.com
• Office 859-391-4556
• Contact: Michael Sutherland
m.sutherland@cmifunding.com
• Office 321-223-5067
• Support: Support@cmifunding.com
• Office 877-430-3594
• Fax 239-236-0424
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